Check Current Rates

Community Bank makes the home buying process smooth and worry free, whether you are purchasing your first home, would like to move to a larger home, or need to refinance your existing mortgage. At Community Bank we offer:

• Competitive interest rates and closing costs
• Prompt, local loan approval
• Local servicing on some loan products

Visit one of our convenient locations and check out the many advantages of a home loan from Community Bank.

Fixed Rate Mortgage
A mortgage that provides for one interest rate for the entire term of the loan. The 15 and 30 year programs are two of the most popular conventional products that make up a great majority of the typical mortgage lender's activity. However, there are many more programs available that may suit the needs of your special borrowing requirements.

Adjustable Rate Mortgage
These mortgages generally have lower beginning interest rates (and lower payments) than fixed rate mortgages. Typically a person who may only stay in a home for a short period of time may choose this product to reduce the mortgage costs during their limited stay in the home. Many borrowers choose this product to keep their mortgage payments at a minimum during the early years of a loan and if rates increase, the borrower's income may also increase to help offset the impact on their budget.

Construction
Community Bank specializes in helping customers build their dream home. The construction loan program provides short term financing for a specified period of construction with interest only up to a maximum of 12 months. Upon completion the bank will refinance the home for the long term with the appropriate loan program.

Unique Loans for Unique Circumstances
As a locally-owned commercial bank, Community Bank can offer a wide range of lending programs to meet almost every need. Lot loans, bridge loans, temporary financing, investment property and even commercial loans for the small business owner.

Maximizer Home Equity Loan
This loan allows you to keep the rate and term you have on your primary home loan while still accessing equity you may have in the home. This is a great way to consolidate debt, make improvements or pay for college. Your loan may also be tax deductible (consult your tax advisor)

Optimizer Home Equity Line Of Credit (HELOC)
These loans allow you to have a line of credit with the equity of your home. HELOC’S are a great loan for people looking to make improvements or remodel a home. Your loan may also be tax deductible (consult your tax advisor)

Cash-Out Refinance
Take advantage of the equity in your home and today’s great low rates. At Community Bank we offer several solutions, see a mortgage consultant for details.